Privacy Policy

Institute of Consumer
Financial Education (ICFE) is an internet based educational
forum.

Unless otherwise stated, the Institute of Consumer Financial
Education does not endorse any individual, product or service
described in, offered or linked to the Institute of Consumer
Financial Education Web site.

Institute of Consumer Financial Education strives to maintain
accurate and up-to-date information at all times.

Information We Collect
On-line

If you subscribe, the
Institute of Consumer Financial Education collects your email
address, is is NOT shared with third parties.

How We Use That Information

Information gathered is only
used to update participants on developments to the Institute of
Consumer Financial Education.

With Whom That Information
May Be Shared

Institute of Consumer
Financial Education will NOT share or sell any information
collected with any third party. We reserve the right to provide
information collected when compelled or required to by law.

Choices Available Regarding
Data Collection

By providing your email
address you have chosen to have Institute of Consumer Financial
Education contact you regarding updates to the site.

Personally Identifying
Information of Visitors

The Institute of Consumer
Financial Education does not require that visitors submit any
personally identifying information, nor does it collect any
without your knowledge. In our About You/Contact Us section, we
do request that you give us some information about yourself so
that we can enhance our services to better meet your needs and
for research, evaluation and tracking purposes. This information
is not required in order to visit the Institute of Consumer
Financial Education.

Any interactive forms on our site that request information
from our registrants or visitors will be preceded by privacy
statements telling you how this information is used. The
information gathered will be used only for the stated purpose(s).
[In addition, all information submitted through these forms may
be used to enhance our services and for our internal research,
evaluation and tracking purposes.]

If you choose to email the Institute of Consumer Financial
Education, any personally identifying information you provide
will be used for the purposes of response only. Please keep in
mind that email is not entirely secure and can be intercepted,
so only submit information that is necessary for us to respond
appropriately to your comments or questions.

Privacy of Minors

The Institute of Consumer
Financial Education links may offer information for high school
students. Since all Institute of Consumer Financial
Education visitors have the opportunity to fill out the About
You survey, minors over the age of 13 who visit the site may
provide us with basic demographic information if they wish to do
so. We hope that minors have the guidance of parents, teachers,
and other responsible adults while on-line and we encourage
minors to use caution in sending any personally identifying
information through the Internet.

Standard Tracking
Information

Institute of Consumer
Financial Education does gather information that does not
identify our users personally, through standard Web site
tracking. The information gathered in the tracking process is
limited to:

The date and time of your
visit to the Institute of Consumer Financial Education
and which pages you accessed.

The domain name of the
Internet server you use for Web access.

The type and version of
the Web browser you use to navigate the Institute of
Consumer Financial Education, such as Internet Explorer
version X or Netscape Navigator version X.

The operating system your
computer uses, such as WindowsNT or Linux.

The URL of the referring
Web site (the last Web site you visited before the
Institute of Consumer Financial Education).

Disclosure of Information
Policy

We do NOT sell, distribute,
or otherwise disclose any information about our site visitors,
registrants or school district personnel utilizing this site
without their express permission, given in the form of
registering her or himself on the Institute of Consumer
Financial Education, or unless required to do so under Federal
law in the event of a law enforcement investigation, and/or for
research, evaluation and tracking purposes.

Limitation of the ICFE
Privacy Policy

The Institute of Consumer
Financial Education includes links to other external Web sites.
These sites are not bound by our privacy policy and we do not
take responsibility for the policies of these sites. Be sure to
familiarize yourself with the policies of sites that you visit
in order to better safeguard your privacy.

Choices Available Regarding
Data Collection

By providing your email
address you have chosen to have Institute of Consumer Financial
Education contact you regarding updates to the site.

Correcting Information

To change, correct, or remove
your email address from our contact list, please contact us.
In addition any questions regarding our policy can be directed
to that email address.

Changes To Privacy Policy

This privacy policy and
security provisions will be updated as needed at site launch.
Information gathered under our current policy will continue to
be governed by the above stated standards.

Governing
International, Federal and State laws on Privacy

Contact Us If you have any questions regarding the
Institute of Consumer Financial Education policies, please

The United States has treaties and conventions with other
nations that are binding to those who fall within their
jurisdiction.

Many other nations have laws, such as slander and libel, which
are much stricter than those in the United States. Be aware that
any statement made or actions performed could affect any assets
within that country. Also, future travel through such countries
could open one up to prosecution under their laws for statements
made or actions performed at an earlier time outside that
country's sphere of influence.